Library

• Blockchain
• Digital Identity
• Privacy
• Smartcards
• "Calling for a uniform approach to card fraud offline and on"
• Integrating Chip and PIN with 3D Secure
• Smartcards, digital identity and black holes
• An easily validated security model for e-voting based on anonymous public key certificates
• Keynote speech: Smartcards as Critical Infrastructure
• A fresh look at smartcards
• A new manifesto for smartcards as national information infrastructure
• Towards a uniform solution to identity theft
• Is smartcard security and privacy a zero sum game?
• Two factor authentication and second class citizens
• The chips (and PINs) are down!
• PKI
• Biometrics
• "Babysteps"
• Lockstep Technologies
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• Online Banking Review
• Conference presentations 2010-
• Conference presentations 2004-10
• Selected Media Interviews
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Two factor authentication and second class citizens

An unfortunate side-effect of user-pays security could be the creation of two classes of Internet banking customer.